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Legal & General – HealthCare Choices

Legal & General

HealthCare Choices

Type: Modular individual and group private medical insurance plan

Minimum-maximum ages: 18-80

Minimum premium: No premium

Maximum benefits: No overall maximum but limits are imposed on some benefits

Minimum group size: Three

Cover provided: Core modules – cancer treatment, in-patient and daycare excluding cancer treatment, full outpatient cover excluding cancer treatment, selected outpatient cover excluding cancer treatment; Additional modules – therapies cover up to £1,100 a year, psychiatric care including in-patient cover up to 28 days a year and out-patient cover up to £1,200 a year, everyday health cover up to £250 a year towards dental and optical fees, family care including childbirth complications and £100 maternity cash for each child, support services including GP telephone service, stress helpline and discounted gym membership

Options: London hospital opt-out, no-claim discount

Excess: Individual cover – #100- £5,000, group cover – #100-£250 each person

Discount: Optional 50-65% no claims discount, 10% discount for group schemes, 60% discount if switching from another insurer on no-claims

Commission: Individual plans – initial 40-65%, group plans initial 25-45%, renewal 5-10%

Tel: 0845 303 3366


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